<SEC-DOCUMENT>0000897069-16-000810.txt : 20160721
<SEC-HEADER>0000897069-16-000810.hdr.sgml : 20160721

<ACCEPTANCE-DATETIME>20160415154618

<PRIVATE-TO-PUBLIC>

ACCESSION NUMBER:		0000897069-16-000810

CONFORMED SUBMISSION TYPE:	DFAN14A

PUBLIC DOCUMENT COUNT:		3

FILED AS OF DATE:		20160415

DATE AS OF CHANGE:		20160622

EFFECTIVENESS DATE:		20160415


SUBJECT COMPANY:	


	COMPANY DATA:	

		COMPANY CONFORMED NAME:			FINANCIAL INSTITUTIONS INC

		CENTRAL INDEX KEY:			0000862831

		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]

		IRS NUMBER:				160816610

		STATE OF INCORPORATION:			NY

		FISCAL YEAR END:			1231



	FILING VALUES:

		FORM TYPE:		DFAN14A

		SEC ACT:		1934 Act

		SEC FILE NUMBER:	000-26481

		FILM NUMBER:		161574376



	BUSINESS ADDRESS:	

		STREET 1:		220 LIBERTY STREET

		CITY:			WARSAW

		STATE:			NY

		ZIP:			14569

		BUSINESS PHONE:		5857861100



	MAIL ADDRESS:	

		STREET 1:		220 LIBERTY STREET

		CITY:			WARSAW

		STATE:			NY

		ZIP:			14569




FILED BY:		


	COMPANY DATA:	

		COMPANY CONFORMED NAME:			Clover Partners, L.P.

		CENTRAL INDEX KEY:			0001309342

		IRS NUMBER:				752842611

		STATE OF INCORPORATION:			TX

		FISCAL YEAR END:			1231



	FILING VALUES:

		FORM TYPE:		DFAN14A



	BUSINESS ADDRESS:	

		STREET 1:		100 CRESCENT COURT

		STREET 2:		SUITE 575

		CITY:			DALLAS

		STATE:			TX

		ZIP:			75201

		BUSINESS PHONE:		214-273-5200



	MAIL ADDRESS:	

		STREET 1:		100 CRESCENT COURT

		STREET 2:		SUITE 575

		CITY:			DALLAS

		STATE:			TX

		ZIP:			75201



	FORMER COMPANY:	

		FORMER CONFORMED NAME:	Clover Partner, L.P.

		DATE OF NAME CHANGE:	20041122



</SEC-HEADER>

<DOCUMENT>
<TYPE>DFAN14A
<SEQUENCE>1
<FILENAME>cg727.htm
<TEXT>
<html>
<head>
<title></title>
<!--Licensed to: foley2
    Document created using EDGARfilings PROfile 4.0.0.0
    Copyright 1995 - 2016 Summit Financial Printing, LLC.  All rights reserved.-->
</head>
<body style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif" bgcolor="#ffffff" text="#000000">
<div>
<div id="DSPFPageHeader">
<div style="LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
</div>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">UNITED STATES<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>SECURITIES AND EXCHANGE COMMISSION<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font> Washington, D.C. 20549</div>

<div style="LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 15pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 17.1pt">SCHEDULE 14A</div>

<div style="LINE-HEIGHT: 17.1pt">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">Proxy Statement Pursuant to Section 14(a) of<font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>the Securities Exchange Act of 1934<font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font> (Amendment No.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;)</div>

<div style="LINE-HEIGHT: 11.4pt">&#160;</div>

<table id="f5c90d445f114b1097f692b869cedd1d" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 100%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Filed by the Registrant&#160;&#160;<font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">&#9744;</font></div>
</td>
</tr>

<tr>
<td style="WIDTH: 100%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Filed by a Party other than the Registrant&#160;&#160;<font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">&#9746;</font></div>
</td>
</tr>

<tr>
<td style="WIDTH: 100%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Check the appropriate box:</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#9744;</div>
</td>
<td style="WIDTH: 94.49%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Preliminary Proxy Statement</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#9744;</div>
</td>
<td style="WIDTH: 94.49%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#9744;</div>
</td>
<td style="WIDTH: 94.49%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Definitive Proxy Statement</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#9744;</div>
</td>
<td style="WIDTH: 94.49%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Definitive Additional Materials</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#9746;</div>
</td>
<td style="WIDTH: 94.49%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Soliciting Material Pursuant to &#167;240.14a-12</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 94.49%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 100%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">FINANCIAL INSTITUTIONS, INC.</div>
</td>
</tr>

<tr>
<td style="BORDER-TOP: #000000 2px solid; WIDTH: 100%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">(Name of Registrant as Specified In Its Charter)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 100%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">CLOVER PARTNERS, L.P.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">MHC MUTUAL CONVERSION FUND, L.P.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">CLOVER INVESTMENTS, L.L.C.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">TERRELL T. PHILEN, JR.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">JOHNNY GUERRY</div>
</td>
</tr>

<tr>
<td style="BORDER-TOP: #000000 2px solid; WIDTH: 100%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">(Name of Person(s) Filing Proxy Statement, if other than the Registrant)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 100%; VERTICAL-ALIGN: top" colspan="3">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 100%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Payment of Filing Fee (Check the appropriate box):</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#9746;</div>
</td>
<td style="WIDTH: 94.49%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">No fee required.</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#9744;</div>
</td>
<td style="WIDTH: 94.49%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and&#160;0-11.</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.36%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">(1)</div>
</td>
<td style="WIDTH: 89.13%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Title of each class of securities to which transaction applies:</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.36%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 89.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.36%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">(2)</div>
</td>
<td style="BORDER-TOP: #000000 2px solid; WIDTH: 89.13%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Aggregate number of securities to which transaction applies:</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.36%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 89.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.36%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">(3)</div>
</td>
<td style="BORDER-TOP: #000000 2px solid; WIDTH: 89.13%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11 (set forth the amount on which the filing fee is calculated and state how it was determined):</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.36%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">(4)</div>
</td>
<td style="BORDER-TOP: #000000 2px solid; WIDTH: 89.13%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Proposed maximum aggregate value of transaction:</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.36%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 89.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.36%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">(5)</div>
</td>
<td style="BORDER-TOP: #000000 2px solid; WIDTH: 89.13%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Total fee paid:</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.36%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 89.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#9744;</div>
</td>
<td style="WIDTH: 94.49%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Fee paid previously with preliminary materials.</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#9744;</div>
</td>
<td style="WIDTH: 94.49%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Check box if any part of the fee is offset as provided by Exchange Act Rule&#160;0-11(a)(2) and identify the filing for which the offsetting fee was paid previously.&#160; Identify the previous filing by registration statement number, or the Form or Schedule and the date of its filing.</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.36%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">(1)</div>
</td>
<td style="WIDTH: 89.13%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Amount Previously Paid:</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.36%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 89.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.36%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">(2)</div>
</td>
<td style="BORDER-TOP: #000000 2px solid; WIDTH: 89.13%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Form, Schedule or Registration Statement No.:</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.36%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 89.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.36%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">(3)</div>
</td>
<td style="BORDER-TOP: #000000 2px solid; WIDTH: 89.13%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Filing Party:</div>
</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.36%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 89.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.36%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">(4)</div>
</td>
<td style="BORDER-TOP: #000000 2px solid; WIDTH: 89.13%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Date Filed:</div>
</td>
</tr>
</table>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageFooter"><br style="LINE-HEIGHT: 13.7pt">
 &#160;</div>
</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>
</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt"><u>Filed by Clover Partners, L.P.</u></div>

<div style="LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 13.7pt; TEXT-INDENT: 36pt">A copy of a news article is being filed herewith under Rule 14a-12 of the Securities Exchange Act of 1934, as amended.&#160; <font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif">The Participants (as defined below) are not affiliated with the publication or the author of the news article, and do not endorse or make any representations or warranties concerning the news article.&#160; </font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; BACKGROUND-COLOR: #ffffff">The consent of the author and the publication to file the news article </font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; BACKGROUND-COLOR: #ffffff">under Rule 14a-12 was neither sought nor obtained.</font></div>

<div style="LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"><u>Important Information</u></div>

<div style="LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">MHC Mutual Conversion Fund, L.P. has nominated Johnny Guerry and Terrell T. Philen, Jr. as nominees to the board of directors of Financial Institutions, Inc. (the &#8220;<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><u>Company</u></font>&#8221;) and intend to solicit votes for the election of Mr. Guerry and Mr. Philen as members of the board.&#160;&#160;&#160;MHC Mutual Conversion Fund, L.P. will send a definitive proxy statement, WHITE proxy card and related proxy materials to shareholders of&#160;the Company&#160;seeking their support of Mr. Guerry and Mr. Philen at the Company&#8217;s 2016 Annual Meeting of Stockholders.&#160;&#160;<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold">Stockholders are urged to read the definitive proxy statement and WHITE proxy card when they become available, because they will contain important information about the participants in the solicitation, Mr. Guerry and Mr. Philen,&#160;the Company&#160;and related matters.&#160;&#160;</font>Stockholders may obtain a free copy of the definitive proxy statement and WHITE proxy card (when available) and other documents filed by MHC Mutual Conversion Fund, L.P. with the Securities and Exchange Commission (&#8220;<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><u>SEC</u></font>&#8221;) at the SEC&#8217;s web site at www.sec.gov.&#160;&#160;The definitive proxy statement (when available) and other related SEC documents filed by MHC Mutual Conversion Fund, L.P. with the SEC may also be obtained free of charge from the MHC Mutual Conversion Fund.</div>
<div style="LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"><u>Participants in Solicitation</u></div>

<div style="LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">The participants in the solicitation by MHC Mutual Conversion Fund, L.P. consist of the following persons (the &#8220;<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><u>Participants</u></font>&#8221;): MHC Mutual Conversion Fund, L.P., Clover Partners, L.P., Clover Investments, L.L.C., Johnny Guerry and Terrell T. Philen, Jr.&#160;&#160;Such participants may have interests in the solicitation, including as a result of holding shares of&#160;the Company&#8217;s&#160;common stock.&#160;&#160;<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold">Information regarding the participants and their interests may be found in the attached Notice of Intent to Nominate Directors and Submit Nominees for Election that MHC Mutual Conversion Fund, L.P. sent to the Company on April 1, 2016, which is attached hereto.</font><br style="LINE-HEIGHT: 13.7pt">
</div>

<div style="LINE-HEIGHT: 13.7pt">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageFooter">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt">&#160;</div>
</div>

<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>

<div id="DSPFPageHeader">
<div style="LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
</div>
</div>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">Buffalo Business First</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">April 14, 2016</div>

<div style="LINE-HEIGHT: 12.55pt"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">&#8220;We&#8217;re in a proxy contest now&#8221;</div>

<div style="LINE-HEIGHT: 12.55pt"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">Allissa Kline</div>

<div style="LINE-HEIGHT: 12.55pt"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">The activist investor who called for Financial Institutions Inc. to sell itself and wants a seat on the board is now preparing to solicit shareholders in order to win two seats on the board.</div>

<div style="LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">Johnny Guerry, managing partner of Clover Partners L.P. in Dallas, said he has no plans to back down from the proxy contest that he initiated April 1 when his company filed paperwork to nominate Guerry and another individual to Financial Institutions&#8217; board of directors. Clover Partners oversees MHC Mutual Conversion Fund L.P., which owns 5.5 percent of Financial Institutions&#8217; outstanding common stock.</div>

<div style="LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">&#8220;We&#8217;re in a proxy contest now, so we&#8217;ll be filing a preliminary proxy in the not-too-distant future and begin shareholder solicitation,&#8221; Guerry said Thursday. &#8220;We will object to some of the things (the company) has said in its filings.&#8221;</div>

<div style="LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">This week, Guerry sent another letter to Financial Institutions (NASDAQ: FISI), the parent company of Five Star Bank. He criticized the board&#8217;s handling of the situation, saying it seems as though the directors &#8220;would rather spend shareholders&#8217; money on a proxy contest&#8221; than add Guerry to the board.</div>

<div style="LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">&#8220;The board&#8217;s nominating committee rejected my candidacy ... after an exhaustive six-week process and settled on the reasoning that in December of 2015 I made a statement that a sale of the bank might be in the best interests of shareholders,&#8221; Guerry wrote. &#8220;They believed this statement could scare off customers should I be added to the board.&#8221;</div>

<div style="LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">Representatives from Financial Institutions had no immediate comment on Guerry&#8217;s letter.</div>

<div style="LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">Guerry takes issue with two acquisitions that Financial Institutions made &#8211; the mid-2014 purchase of Scott Danahy Naylon Co. Inc., an insurance brokerage in Amherst, and the January purchase of Courier Capital Corp., a wealth investment firm in Buffalo. In December, he criticized both deals, saying they diminish the stock value because the earn-back periods are too long, and suggested that the company halt future acquisition plans and sell itself to a larger bank.</div>

<div style="LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">Clover Partners has been an activist investor before. It has called on the sale of banks in Massachusetts and Pennsylvania. In February, a proxy contest was avoided when Bank Mutual in Wisconsin opted to add a Clover analyst to its board, expanding from nine to 10 directors.</div>

<div style="LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">Guerry said Clover Partners has owned shares of Financial Institutions&#8217; stock on-and-off since 2014. According to regulatory filings, the company purchased 10,000 shares in August 2015 and presently owns nearly 800,000 shares.</div>

<div style="LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">The annual meeting of Financial Institutions&#8217; shareholders is set to take place Friday, June 3. Four director seats are up for grabs, including the seat held by company president and CEO Martin Birmingham.</div>
</div>
</body>
</html>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>image0.jpg
<TEXT>
begin 644 image0.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" "I ;T# 2(  A$! Q$!_\0
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M+MU-C$]M'$1$!_K/D )#D\ CH@(R&KYL^'_@ZX\<>+;;28OEMU_?7D@<*8X
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MY_W_ (?_ (U5S2?@'X5T;6;'5+?4-9:>RN([B-9)HBI9&# '$8.,CU%>J44
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M .C9:\?H U/#6FPZSXJTC2[AI%@O;V&WD:,@,%=PI(R",X/H:^B_^&<?!_\
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M "F__;: /G^O8/V<?^2AZA_V"I/_ $;%70?\,R_]3=_Y3?\ [;77_#CX/_\
M"O\ Q#<:M_;OV_SK1K;ROLGE8RZ-NSO;^YC&.] 'J%%%% 'R!\;?^2O:[_V[
M_P#HB.O/Z] ^-O\ R5[7?^W?_P!$1UY_0!Z!\$O^2O:%_P!O'_HB2OK^OA#1
M-;U'PYK$&K:3<?9[Z#=Y<NQ7V[E*GA@0>"1R*[#_ (7;\0_^AA_\DK?_ .-T
M ?7]%?('_"[?B'_T,/\ Y)6__P ;H_X7;\0_^AA_\DK?_P"-T ?7]%?.'PM^
M*7C+Q'\1])TG5M9^T6,_G>9%]EA3=MA=ARJ CD \&OH^@#Y\_:6U56N- TB.
MYDWHDMU/;@L%PQ58W/8GY90.XYZ9Y\#KUC]H:^M[OXE1PP2;Y+33XH9QM(V.
M6>0#GK\KJ>/7US7D] %BPL;C4]1MK"SC\RZNI5AA3<!N=B HR>!DD=:^Z])T
MV'1M&L=+MVD:"RMX[>-I""Q5%"@G  S@>@KXP^'T$US\1O#:0122N-3MW*HI
M8A5D#,>.P4$D]@":^VZ "BBB@ KPS]I/1(7T;1M>7RUGAN#9OB,;I%=2ZY;K
MA3&V!S]\]._N=>?_ !M_Y)#KO_;O_P"CXZ /D"BBB@#[K\-:E-K/A72-4N%C
M6>]LH;B18P0H9T#$#))QD^IKS/\ :._Y)YI__85C_P#14M=!\$O^20Z%_P!O
M'_H^2N?_ &CO^2>:?_V%8_\ T5+0!\P4444 ??\ 1110 4444 %%%% 'S!^T
M=_R4/3_^P5'_ .C9:\?KV#]H[_DH>G_]@J/_ -&RUX_0!T'@3_DH?AG_ +"M
MK_Z-6OM^O@BPOKC3-1MK^SD\NZM95FA?:#M=2"IP>#@@=:[C_A=OQ#_Z&'_R
M2M__ (W0!]?T5\@?\+M^(?\ T,/_ ))6_P#\;H_X7;\0_P#H8?\ R2M__C=
M'U_17R!_PNWXA_\ 0P_^25O_ /&Z^I_"=]<:GX-T._O)/,NKK3X)IGV@;G:-
M2QP.!DD]* -BBBB@ KY0^.GA'_A'/'+:E;KBQUG=<IS]V8$>:O+$GDA\X _>
M8'W:^KZYOQYX4A\9^#K_ $9Q&)Y$WVLCX_=S+RAS@D#/RD@9VLP'6@#XDKU#
MX%^+O^$<\<KIMPV+'6=ML_'W9@3Y3<*2>24QD#]YD_=KS.>":UN);>XBDAGB
M<I)'(I5D8'!!!Y!![5'0!]M^//%</@SP=?ZRYC,\:;+6-\?O)FX08R"1GYB
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M?&5Y8:YJGVNUCT]YE3[/%'AQ)& <HH/1C^= 'N]%%% 'R!\;?^2O:[_V[_\
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M ,E#U#_L%2?^C8J /I^BBB@#Y ^-O_)7M=_[=_\ T1'7G]>@?&W_ )*]KO\
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M /F"BBB@#[_HHHH **** "BBB@#Y@_:._P"2AZ?_ -@J/_T;+7C]>P?M'?\
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M_P!N_P#Z(CKS^@#T#X)?\E>T+_MX_P#1$E?7]?('P2_Y*]H7_;Q_Z(DKZ_H
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M_P"C9:\?KV#]H[_DH>G_ /8*C_\ 1LM>/T 7-)U*;1M9L=4MUC:>RN([B-9
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M8N",9XQW'/'/J^@>#O#GA9%71='M+1PA3SE3=*REMQ#2-EV&<<$GH/05N44
M%%%% !7'_$?P+_PL#P];Z3_:/V#R;M;GS?(\W.$==N-R_P!_.<]J["B@#P#_
M (9E_P"IN_\ *;_]MH_X9E_ZF[_RF_\ VVO?Z* / /\ AF7_ *F[_P IO_VV
MC_AF7_J;O_*;_P#;:]_HH \ _P"&9?\ J;O_ "F__;:/^&9?^IN_\IO_ -MK
MW^B@#P#_ (9E_P"IN_\ *;_]MKW^BB@#R_XC_!__ (6!XAM]6_MW[!Y-HMMY
M7V3S<X=VW9WK_?QC':N0_P"&9?\ J;O_ "F__;:]_HH \ _X9E_ZF[_RF_\
MVVC_ (9E_P"IN_\ *;_]MKW^B@#P#_AF7_J;O_*;_P#;:/\ AF7_ *F[_P I
MO_VVO?Z* / /^&9?^IN_\IO_ -MH_P"&9?\ J;O_ "F__;:]_HH X_X<>!?^
M%?\ AZXTG^T?M_G7;7/F^1Y6,HB[<;F_N9SGO78444 %%%% !7@'_#,O_4W?
M^4W_ .VU[_10!X!_PS+_ -3=_P"4W_[;7?\ PR^&7_"N?[4_XF_]H?;_ "O^
M7;RMFS?_ +;9SO\ ;I7H%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !17F_BGXU^&_"/B.[T._LM5DNK79O>"*,H=R*XP3(#T8=JQ_^&CO!_P#T
M#=<_[\0__': /8**IZ3J4.LZ-8ZI;K(L%[;QW$:R !@KJ& ."1G!]367XL\:
M:%X*TY;S6KORO-W""%%+23,HR0JC\!DX4$C)&10!T%%>7Z-\>_!6KZBEG*U]
MIN_ 6:^B58RQ( !9&;;USEL* #DBO3()X;JWBN+>6.:"5 \<D;!E=2,@@C@@
MCO0!)17'^.OB/H_P_P#L']K6U]-]N\SR_LD:-C9MSG<R_P!\=,]ZZ32=2AUG
M1K'5+=9%@O;>.XC60 ,%=0P!P2,X/J: +E%%<'XU^+.@^!-9ATO5+34IIY;=
M;A6M8T90I9EP=SJ<Y0]O2@#O**\?_P"&CO!__0-US_OQ#_\ ':[SP5XUTWQW
MHTVJ:7!=PP17#6[+=(JL6"JV1M9AC#COZT =)17F^M_&OPWX<\43Z!JUEJMO
M<02K')-Y4;QJK $/\LA8KM(;@;L=L\5Z10 45Y_X9^+_ (?\6^*/["TBSU6:
M0^8?M1MU$(10?G)W;E4\ 94<LH(!->@4 %%%9>O^(](\+:6VI:U?1VEH'";V
M!8LQZ!54$L>IP > 3T!H U**Y/0/B7X/\4:HNF:/K4<]XR%UB:&2(N!UV[U
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M > ?%/\ Y.%\%?\ ;C_Z5O7O]> ?%/\ Y.%\%?\ ;C_Z5O7O] !7+_$;6?[
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MN-+T34KZ!=,C1I+6U>50WFRG!*@C."./<5]%T4 ?,'_"9?'/_GUUS_P0K_\
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(H **** /_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>CORRESP
<SEQUENCE>4
<FILENAME>filename4.htm
<TEXT>
<html>
<head>
<title></title>
<!--Licensed to: foley2
    Document created using EDGARfilings PROfile 4.0.0.0
    Copyright 1995 - 2016 Summit Financial Printing, LLC.  All rights reserved.-->
</head>
<body style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif" bgcolor="#ffffff" text="#000000">
<div>
<div id="DSPFPageHeader"></div>

<table id="66f66980401040caa1081b3d21b8ed73" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 69.43%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt"><img style="HEIGHT: 57px; WIDTH: 142px" src="image0.jpg"></div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 234pt; LINE-HEIGHT: 13.7pt">April 15, 2016</div>

<div style="LINE-HEIGHT: 13.7pt">&#160;</div>
</td>
<td style="WIDTH: 30.57%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 8.4pt">ATTORNEYS AT LAW</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 14.35pt">777 EAST WISCONSIN AVENUE, SUITE 3800</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 14.35pt">MILWAUKEE, WISCONSIN&#160; 53202-5306</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 14.35pt">414.271.2400 TEL</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 14.35pt">414.297.4900&#160; FAX</div>

<div style="FONT-SIZE: 8pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 9.6pt">www.foley.com</div>

<div style="LINE-HEIGHT: 8.4pt">&#160;</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8.4pt">WRITER&#8217;S DIRECT LINE</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8.4pt">414.297.5596</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8.4pt">pfetzer@foley.com EMAIL</div>

<div style="LINE-HEIGHT: 8.4pt">&#160;</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8.4pt">CLIENT/MATTER NUMBER</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8.4pt">999700-0407</div>
</td>
</tr>
</table>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; FONT-VARIANT: small-caps; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt"><u>Via Edgar</u></div>

<div style="LINE-HEIGHT: 13.7pt">&#160;</div>

<table id="0d2355ac2c844927b0881a86a6399732" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 50%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">Securities and Exchange Commission</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">100 F Street, N.E.</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">Washington, D.C.&#160; 20549</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">&#160;</div>
</td>
<td style="WIDTH: 50%; VERTICAL-ALIGN: top">&#160;</td>
</tr>
</table>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">
<table id="b4c92217dc784c63aed781527dcef1ad" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 36pt"></td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 36pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; align: right">Re:</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: auto; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; TEXT-ALIGN: left"><u>Clover Partners, L.P. / Financial Institutions, Inc.</u></td>
</tr>
</table>
</div>

<div style="LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">Ladies and Gentlemen:</div>

<div style="LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 13.7pt; TEXT-INDENT: 36pt">On behalf of MHC Mutual Conversion Fund, L.P., Clover Partners, L.P., Clover Investments, L.L.C., Johnny Guerry and Terrell T. Philen, Jr. (the &#8220;<font style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif"><u>Reporting Parties</u></font>&#8221;), we are transmitting for filing materials under Rule 14a-12 of the Securities Exchange Act of 1934, as amended, for the Reporting Parties with respect to the shares of common stock of Financial Institutions, Inc.&#160; This filing is being effected by direct transmission to the EDGAR System.</div>

<div style="LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 13.7pt; TEXT-INDENT: 36pt">Please call the undersigned at (414)&#160;297&#8209;5596 should you have any questions regarding this filings.</div>

<div style="LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 234pt; LINE-HEIGHT: 13.7pt">Very truly yours,<font style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font><font style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font> /s/ Peter D. Fetzer</div>

<div style="text-align: left; margin-left: 234pt; line-height: 13.7pt; font-size: 12pt; font-family: 'Times New Roman', serif;">&#160;</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 234pt; LINE-HEIGHT: 13.7pt">Peter D. Fetzer</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">Enclosures</div>

<div style="LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
</div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt"><font style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif">cc:<font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 1px; WIDTH: 9pt; DISPLAY: inline-block">&#160;</font></font><font style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif">&#160; Johnny Guerry</font></div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt"><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 1px; WIDTH: 9pt; DISPLAY: inline-block">&#160;</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 1px; WIDTH: 9pt; DISPLAY: inline-block">&#160;</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 1px; WIDTH: 9pt; DISPLAY: inline-block">&#160;</font><font style="FONT-SIZE: 12pt">Phillip Goldberg</font></div>

<div id="DSPFPageFooter">
<div style="LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
</div>

<div style="LINE-HEIGHT: 6.85pt"><br style="LINE-HEIGHT: 6.85pt">
</div>

<table id="ef0fc083dd38468194fa22262fabbea8" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 19.99%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">BOSTON</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">BRUSSELS</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">CHICAGO</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">DETROIT</div>
</td>
<td style="WIDTH: 20%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">JACKSONVILLE</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">LOS ANGELES</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">MADISON</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">MIAMI</div>
</td>
<td style="WIDTH: 19.99%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">MILWAUKEE</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">NEW YORK</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">ORLANDO</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">SACRAMENTO</div>
</td>
<td style="WIDTH: 20%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">SAN DIEGO</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">SAN FRANCISCO</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">SHANGHAI</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">SILICON VALLEY</div>
</td>
<td style="WIDTH: 20%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">TALLAHASSEE</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">TAMPA</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">TOKYO</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">WASHINGTON, D.C.</div>
</td>
</tr>
</table>

<div style="LINE-HEIGHT: 9.1pt"><br style="LINE-HEIGHT: 9.1pt">
</div>
</div>
</div>
</body>
</html>

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
